The diagram illustrates the payment and fee flow for a full refund transaction between Oracle and an Oracle customer.

The process begins with a $10.00 charge captured by Oracle. Oracle deducts a transaction fee of $0.40, consisting of a $0.30 percentage fee and a $0.10 transaction fee. The Oracle customer receives $9.60.

On Day +1, a full refund of $10.00 is processed. Oracle captures the refund transaction and reverses the original Oracle fee of $0.40.

The Oracle customer is debited $9.60 as part of the refund settlement.

On Day +2, Oracle performs an Oracle fee adjustment through a funds transfer. The Oracle customer is debited $0.80, consisting of:

An assumption note at the bottom states that the Oracle transaction fee is 3% plus $0.10 per transaction.